Tony Bice is an Authorised Representative of Pivotal Financial Advisers Limited (Authorised Representative No. 295215). 
Pivotal Financial Advisers Limited is the holder of an Australian Financial Services Licence Number 237857 issued by The Australian Securities Investment Commission (ASIC).We understand that the details you provide us are private and personal. It's important that you feel secure whenever you deal with us. It's also important that you understand how we protect your privacy, as well as how, when and where we may use your details. Security of our customers’ information is of great importance to us, and we have taken all reasonable precautions to ensure that your details are protected. We use proven technology and physical security measures to ensure the highest levels of protection. We’re constantly monitoring technological and industry developments to ensure we keep up to date and continue to provide you with strong security. Whilst it's true that no system is ever completely secure, we believe the measures we have implemented provide more than adequate protection.

The contents of this document are intended for information purposes only and may contain personal opinions of the author. It is not intended to be a substitute for specific financial or legal advice. Before making any decisions you should consider your personal situation, objectives and needs. While all reasonable care has been taken in the preparation of this information, we take no responsibility for any actions taken based on the information contained in the newsletter or for any errors or omissions.